【X Pay Users Exclusive】X Cash.AI Reward : 12 × $50 X Pay e-Cash Vouchers (Total $600) for application! Up to Extra $8,000 Cash Reward for loan drawdown*!
Promotion Period: 5 March 2026 – 31 March 2026 (subject to application time)
Promo Code: XP8600
Rewards Details
1. New customers who apply X Cash.AI for the first-time with promotion code XP8600 within promotion period will be entitled to 12 pieces of $50 X Pay e-Cash Vouchers (Total $600) for application, regardless of whether the application is approved.
2. New customers^ must maintain an active account status (accounts with overdue payments, bad debts, freezes, etc., will be considered inactive). Keep the average daily outstanding loan balance at HK$20,000 or above to qualify for up to $8,000 Cash Rebate* !
Notes
^New customers must meet the following conditions to apply for the X Cash.AI for the first time:
A. Must not have applied for or held any loan accounts with X Wallet in the past 12 months.
B. Must apply for the X Cash.AI Loan for the first time during the promotion period and enter the promo code “XP8600” during the application process and confirm the loan agreement.
C. Clients must maintain an active account status within 120 days from the date of contract confirmation (accounts with overdue payments, bad debts, freezes, etc., will be considered inactive), and the daily loan balance must be maintained at HK$20,000 or above to qualify for the following cash rewards :
*List of Rewards
| Within 120 days from the date of contract confirmation | ||
| Daily Minimum Loan Balance | Account Status | Rewards |
| <$20,000 | Active | 12 × $50 X Pay e-Cash Vouchers (Total $600) |
| $20,000 – $168,000 | Active | $2,700 Cash Reward + 12 × $50 X Pay e-Cash Vouchers (Total $600) |
| ≥ $168,000 | Active | $8,000 Cash Reward + 12 × $50 X Pay e-Cash Vouchers (Total $600) |
Designated Period for Loan Contract Enforcement
| Enforcement Date of Loan Contract | 120th day upon Loan Contract Enforcement | |
| Earliest | 5-Mar-26 | 03-Jul-2026 |
| Latest | 14-Apr-26 | 12-Aug-26 |
Example
| Approved Loan Amount | Within 120 days of contract enforcement | Reward | Reason for not gaining all rewards | |
| Min. Daily Loan Remaining Balance | Account Status | |||
| HK $20,000 | HK $20,000 | Normal and active | $2,700 Cash Reward + 12 × $50 X Pay e-Cash Vouchers (Total $600) | N/A |
| HK $180,000 | HK $60,000 | Normal and active | $2,700 Cash Reward + 12 × $50 X Pay e-Cash Vouchers (Total $600) | N/A |
| HK $180,000 | HK $170,000 | Normal and active | $8,000 Cash Reward + 12 × $50 X Pay e-Cash Vouchers (Total $600) | N/A |
| HK $20,000 | HK $20,000 | Normal and active | – | The customer has applied for the X Cash.AI Loan in the past 12 months. |
| HK $20,000 | HK $20,000 | Delayed repayment | 12 × $50 X Pay e-Cash Vouchers (Total $600) | Delayed repayment |
| HK $40,000 | HK $10,000 | Normal and active | 12 × $50 X Pay e-Cash Vouchers (Total $600) | Min. daily loan remaining balance less than $20,000 |
Redemption Details
A. 12 × $50 X Pay e-Cash Vouchers (Total $600)
- Upon successful loan application, regardless of loan approval status, customers will receive 12 pieces of $50 X Pay e-Cash Vouchers (Total $600) within 30 days after the end of promotional period (i.e. on or before 31 Mar 2026). Eligible customers will be notified through inbox messages on X Wallet App.
- Eligible Customers are required to login to X Wallet App and complete the registration procedures of X Pay account under X Pay section for the redemption. The e-Cash Voucher will be released to the corresponding X Pay account automatically.
B. Cash Reward
- After the customer successfully confirms the loan, the daily loan balance must be maintained at $20,000 or more within 120 days. The cash rewards will be issued to the Reward Wallet on the X Wallet App within 60 days after confirming that the customer meets the above qualifications, and eligible customers will be notified via message through the X Wallet App.
- To withdraw the cash rewards, customers must login to the X Wallet App, navigate to the “Personal” page and click the “Bank Cards” to add their Hong Kong bank account number. The cash rewards will be credited to the designated Hong Kong bank account in about two working days (excluding public holidays, Saturdays and Sundays).
- Customers are required to ensure the beneficiary bank account number entered is true, correct and valid. The Company will not be responsible for any failure to transfer the rewards to the account under any circumstances.
- All loan accounts of the customer must be in normal condition in order to withdraw the rewards (Delinquent payments, bad debts, freezes, etc., will all be considered as abnormal accounts).
- If there is no transaction in the customer’s Reward wallet in past 24 months, all rewards balances will be expired.
- If a customer closes or cancels his/her X Wallet account under any circumstances, all rewards will be deemed as forfeited.
- This Promotion is valid from 5 Mar 2026 to 31 Mar 2026 (both dates inclusive) (“Promotion Period”).
- The submission time of loan application is subject to the system record of Zero Finance Hong Kong Limited (“The Company”). Late applications will not be accepted.
- Only HKID cardholder aged 18 or above are eligible to participate in this Promotion.
- To avoid any conflict of interest, employees of The Company are prohibited from participating in this Promotion.
- Promotion code must be entered during the loan application process, where subsequent supplements or changes are not allowed.
- For any successful first-time application of X Cash.AI (i.e. no application and/ or hold of any X Lend loan in the past 12 months) made within the Promotion Period, customers will be entitled to 12 × $50 X Pay e-Cash Vouchers (Total $600), regardless of loan approval status.
- ^New Customers must be first-time applicants for the X Cash.AI (i.e., must not have applied for or held any loan accounts with X Wallet using the same Hong Kong Identity Card in the past 12 months) and must successfully be approved for the X Cash.AI Loan and confirm the loan agreement. They must maintain a daily loan balance of $20,000 or above within 120 days from the date of loan confirmation to receive the following rewards:
- Maintain a daily loan balance of $20,000 to $168,000 to receive a cash rewards of $2,700.
- Maintain a daily loan balance of over $168,000 to receive a cash rewards of $8,000.
- Customer can enjoy the offer once within the Promotion Period. The promotional offer cannot be used in conjunction with other offers. In case of multiple applications received from the same customer, The Company will only consider the earliest application as valid.
- Customers must keep their X Cash.AI loan account normal and active (delayed repayment, bad debt, etc. will be perceived as abnormal account) within 120 days upon the enforcement date of the loan contract. If they close, cancel the X Cash.AI loan account, or settled the loan before the reward release , all the rewards under this Promotion will be forfeited.
- The Rewards under this Promotion are non-transferrable, non-reversible and non-refundable. The Company reserves the right to replace the rewards with any item(s) of equivalent value without prior notice.
- The Company reserves the right to check the Proof of Identity to verify the identity of customers. If the information provided by the customers is incomplete, unclear, missing, or if the customers cannot be contacted nor their identity cannot be verified, The Company reserves the right to disqualify their eligibility to this Promotion without prior notice.
- The Company reserves the right to disqualify the eligibility of any customer and forfeit their rewards for any provision of false information or breach of the Terms and Conditions within or after the Promotion Period.
- The use of X Pay e-Cash Voucher is subject to terms and conditions. For the terms and conditions of X Pay e-Cash Voucher service, please refer to the X Pay website (zero-xpay.com) or inquire with the relevant supplier.
- If there is no transaction in the customer’s Reward wallet in past 24 months, all reward balances will be expired.
- All personal data collected will be processed in accordance with the Privacy Policy of The Company.
- The Company will not accept any liability for any delays or losses of application data submitted by customers due to any computer, network, telephone, and other technical issues. Customers shall not hold The Company for accountable.
- The Company reserves the right to amend these Terms and Conditions or suspend this Promotion at any time without any prior notice.
- By participating in this Promotion, customers accept and agree to be bounded by these Terms and Conditions. The Company reserves the right to disqualify the eligibility of participation or to the rewards of customers for any breach of these Terms and Conditions, and to pursue legal action against any behavior that disrupts the event.
In the event of any discrepancies between the English version and the Chinese version of these Terms and Conditions, the Chinese version shall prevail. In case of any dispute, the company reserves the right to make final decision.
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